Financial Planning Consultant

• Nov 2019 - Present

I provide holistic financial advice by designing and implementing tax efficient strategies to help clients meet and surpass their financial goals, ensuring this information is presented in a clear and concise manner and that every aspect is understood. Typically, most people I help are going through life accumulating a range of pensions, investments, and protection plans but with no co-ordinated plan for them or whether they are fit for purpose to meet their goals. What I will always aim to do is utilise the best of traditional wealth management with face to face advice and a trusted ongoing client relationship but to introduce a fresh approach, keeping up to speed with changes in technology, financial markets, products and legislation. Where can I help add value for you: - Investments - Pensions & Retirement Planning - Tax Planning - Estate and Inheritance Tax Planning - Family & Individual Protection - Business Protection If any of these areas are something you need guidance with, connect with me on LinkedIn or drop me an email to luke.smulders@colfinancial.co.uk Show less

Paraplanner

• Nov 2018 - Nov 2019

• Fully supporting chartered financial planners in providing financial advice services. • Prepare advice suitability reports. • Transfers of pensions and/or investments. • Research of financial products. • Cash flow modelling (Voyant). Scenarios including new business investments (ISAs, GIAs, VCTs), pension transfers, IHT planning (Trusts, BPR, Gifting), pension drawdown and long term care. • Fund Analysis and comparison. • Gathering information on existing client arrangements and making comparisons and analyse. • Placing/settling trades and fund switches. Show less

Financial Protection Adviser

• Aug 2014 - Nov 2018

• Build strong relationships with clients and identify needs through open conversation to protecting their families and businesses against financial difficulty. • Managing client expectations based on their personal circumstances, finances and medical background. • Advising and recommending suitable products or packages from a range a policies. (Term Assurance, Family Income Benefit, Critical Illness Cover and Income Protection) • I am one of 20 LifeSearchers specially trained, due to high level target achievements, to advise on business protection needs. (Relevant Life Cover, Shareholder Protection, Key Person, loan Protection and Executive IP) • I was asked by management to champion a new system on my team (Underwrite Me). With leadership, coaching and working one to one with colleagues I have taken my team from having the lowest usage on Underwrite Me to the top performing team in LifeSearch. • Liaising with clients and insurers throughout lengthy underwriting processes to manage the expectations and needs of both parties. • Using a variety of different business tools to meet and exceed company and personal goals and targets. • As I have built up my experience and knowledge within LifeSearch I have been able to mentor and develop new starters to enable them to have the best start possible in their role. • I was part of a specialist team of 12 advisers chosen for our ability and advice quality to exclusively look after new business advice telephone lines for one of the UK’s most well known insurers, LV=. Show less

Recruitment Consultant

• Jul 2013 - Aug 2014